SPECIALIST COVER FOR AUSTRALIAN ONLINE RETAILERS
Ecommerce Insurance
Product Liability, Cyber, Stock & Business Interruption — Built for Ecommerce Operators
A site outage, a faulty product, a Shopify breach, a 3PL warehouse fire — every ecommerce business carries digital and physical risk that no off-the-shelf policy was designed for. We structure a tailored ecommerce package with one monthly payment.
Trusted by 1000+ Clients
THE PROBLEM
Generic Retail Insurance Doesn't Cover How Ecommerce Actually Works
Most policies were written when shops had walls and a cash register. Your business doesn't — and that gap is where the claims happen.
We listen first
Belinda · Senior Insurance Advisor
Product Liability Across Borders
You import a product from overseas, sell it Australia-wide, and a customer claims injury. Standard cover often excludes imported goods or limits cover to the country of manufacture.
Cyber & Payment Breaches
Customer card data, Shopify admin credentials, supplier-fraud emails — one breach triggers Notifiable Data Breach response, customer refunds, and chargebacks. Generic SME policies cap cyber at almost nothing.
Site Downtime = Lost Revenue
When your store goes down — hosting outage, DDoS, payment-gateway failure — every hour costs real revenue. Standard business interruption rarely covers cyber-triggered downtime.
Ecommerce retailers need a policy structured around digital, physical, and product risk in one package.
WHAT'S COVERED
A Complete Ecommerce Insurance Package
The four covers every online retailer should have, structured into one program.
Product & Public Liability
Third-party injury or property damage from products you sell — including imported and own-brand goods. Up to $20M cover available.
- Imported product cover
- Own-brand defect liability
- Third-party injury claims
Cyber & Privacy Liability
Data breach response, ransomware containment, customer notification costs, and PCI-DSS fines defence — purpose-built for online retailers.
- Notifiable Data Breach response
- Ransomware & extortion
- PCI fines defence
Stock, Contents & Goods in Transit
Cover for stock at your warehouse, 3PL provider, or in transit between supplier and customer — fire, theft, water damage, transit loss.
- Warehoused stock
- 3PL fulfilment cover
- Goods in transit
Business Interruption & Cyber BI
Lost revenue when your store can't trade — including downtime triggered by cyber events, hosting outages, and supplier failure.
- Cyber-triggered BI
- Supplier-failure BI
- Increased cost of working
WHO IT'S FOR
Online Retailers We Insure
From Shopify side-hustles to multi-channel D2C brands — we structure cover that scales with your store.
HOW IT WORKS
Get Covered in 3 Simple Steps
Securing specialist fire protection insurance requires detail, but our experienced team guides you through the necessary forms to create your tailored package.
Complete Your Profile
Fill out our detailed proposal form or get in touch via our contact page. Because fire protection is highly specialised, we need accurate details about your trade, turnover, team size, and compliance obligations to secure proper cover.
We Engage Specialist Markets
We take your comprehensive details to the select few insurers who actually underwrite fire protection risks. We leverage our industry experience to negotiate a tailored package for your business.
Secure Your Package
We present your comprehensive insurance package in plain English, ensuring you understand your cover. We also offer one monthly payment option to help manage your cash flow.
Ready to start?
FREQUENTLY ASKED
Ecommerce Insurance — Common Questions
Protect Your Online Store
Speak with a broker who understands ecommerce risk and structure a policy that covers what generic SME insurance misses.